ex99-1.htm

MEETING AGENDA

• Welcome

• Vote on Matters of the Proxy Statement

• Discussion of Condition of Company

Ø President’s Remarks

Ø Financial Review

Ø Lending Review

Ø ENB’s Money Management Group

• Questions & Answers

• Vote Results

• Adjournment

PRESENTERS

• Aaron L. Groff, Jr.

Ø President, CEO and Board Chairman - ENB Financial Corp
and Ephrata National Bank

• Paul W. Wenger

Ø Vice President and Corporate Secretary - ENB Financial Corp

• Scott E. Lied

Ø Treasurer - ENB Financial Corp

• Dale G. Burkholder

Ø Senior Vice President and Senior Loan Officer - Ephrata National Bank

• William L. Barnett

Ø Vice President - ENB’s Money Management Group

VOTING PROCESS

Proxy Holders

• Janice S. Eaby

• John H. Shuey

Judges of Election

• Richard H. Binner

• Roger S. Kline

• William M. Rohrbach

MATTERS OF PROXY

• Elect four (4) Class A directors to serve
three-year terms

• Elect three (3) Class B directors to serve
two-year terms

• Elect three (3) Class C directors to serve
one-year terms

• Other Business

BOARD CLASSIFICATION

Purpose of classifying the directors:

• Structure better promotes continuity and
stability

• Encourages decision-making by board
members based on long-term results

CURRENT DIRECTORS

Class A Election (3 Year Term)

• Aaron L. Groff, Jr.

• J. Harold Summers

• Paul M. Zimmerman, Jr.

• Thomas H. Zinn

Class B Election (2 Year Term)

• Willis R. Lefever

• Donald Z. Musser

• Bonnie R. Sharp

Class C Election (1 Year Term)

• Susan Y. Nicholas

• Mark C. Wagner

• Paul W. Wenger

MISSION

• To remain an independent community bank of
undisputed integrity, serving the communities of
Northern Lancaster County and beyond.

• To offer state-of-the-art financial products and
services of high quality and value at an affordable
price.

• To provide unsurpassed personal service,
delivered by a highly dedicated professional team.

STRATEGIC INITIATIVES

• Strategic Initiatives for 2010 - 2012

Ø Loan Growth

Ø Strengthen Capital

Ø Non-Interest Income Improvement

Ø Increase Deposit Market Share in Lancaster County

DISCLOSURES

• Unaudited Financial Information

Ø Some of the following slides do present financial
information that is unaudited. Therefore, this information is
subject to adjustments that could be necessary upon
completion of the annual audit.

• Forward Looking Statements

Ø Some of the material and/or language used in this
presentation would be considered as a forward looking
statement. Management is not obligated to update these
forward looking statements.

2009 SIGNIFICANT ITEMS

Net Interest Income	$ 858,000	increase
Other Income	$1,533,000	increase
Operating Expenses (net of FDIC assessment)	$1,191,000	decrease
FDIC Assessment	$ 792,000	increase
Provision Expense	$2,251,000	increase

DIVIDEND COMPARISON

Bank Name	Current Dividend	Change from Dividend High (2006 - 2008)
Union National Community Bank	$0.00	-100.00%
Susquehanna Bank	$0.01	-95.65%
National Penn Bank	$0.01	-94.12%
Fulton Bank	$0.03	-83.33%
VIST Bank	$0.05	-75.00%
Ephrata National Bank	$0.24	-22.58%

SHAREHOLDER VALUE

	ENBP	SUSQ	FULT
Average Stock Price* - Oct 2008	$25.69	$17.12	$11.62
Average Stock Price* - Jul 2009	$24.83	$4.80	$6.05
Jul 2009 Price as % of Oct 2008 Price	97%	28%	52%
Average Stock Price* - Apr 2010	$20.58	$11.26	$11.46
Apr 2010 Price as % of Oct 2008 Price	80%	66%	99%
Current Dividend Yield on Investment	4.70%	0.40%	1.12%

*Average derived from weekly Monday high prices for the cited month.

PEER ANALYSIS

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.

Measurement	ENB	Peer*
Return on Average Assets (ROAA)	0.60%	0.19%
Net Interest Margin	3.49%	3.71%
Other Income	0.88%	0.74%
Operating Expense	2.81%	2.96%
Tier 1 Leverage Capital	9.56%	8.71%

FIRST QUARTER RESULTS

• Q1 2010

Ø $1,468,000 versus $1,081,000 (Q1 2009)

Ø 35.8% increase

Ø 3.0% balance sheet growth

LENDING REVIEW

• Dale G. Burkholder

Ø Senior Vice President and Senior Lender -
Ephrata National Bank

CREDIT QUALITY

Measurement	ENB	Peer*
30 - 89 Days Past Due	0.20%	1.43%
90+ Days Past Due	0.17%	0.15%
Non-Accrual	1.42%	2.91%
Total Delinquencies	1.79%	4.49%
Net Losses to Average Total Loans	0.29%	1.09%

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.

LOAN PORTFOLIO MIX

Loan Type	ENB	Peer*
Construction and Development	4.99%	12.69%
Commercial Real Estate (CRE)	21.20%	30.84%
CRE Multi-Family	2.83%	2.57%
Commercial & Industrial	7.29%	13.42%
Loans to Municipalities	7.67%	0.51%
Farmland & Agricultural	14.26%	4.18%
1 - 4 Family Residential	38.83%	23.83%

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.

LOAN GROWTH

* Peer Group is defined as National UBPR Peer Group $300 Million to $1 Billion, a total of 1,198 banks.

ENB’S MONEY
MANAGEMENT GROUP

• William L. Barnett

Ø Vice President - ENB’s Money Management Group

STRATEGIC FOCUS

• Our Focus 2010-2011 and Beyond

• Target Prospects

• Services to Community

• Our Money Management Group Goals

Ø Become a trust and asset management group that
customers and non-customers automatically
recognize when the topic of money management
and investment arises.

Ø Provide a solution to every customer or prospect
we meet

• In the community

• In our daily servicing

GOALS

VOTING RESULTS

• Report of Election

Ø Presented by Paul W. Wenger
Corporate Secretary - ENB Financial Corp